Can I qualify for a mortgage (with or without my husband's income)?I have a 4-year work history (earning about $75,000). My husband has been at his job for 13 months now (earning $45,000). We are trying to decide if we should apply for a mortgage in just my name or in both our names. Last year we tried to apply and were turned down because he did not have the employment history required.He left work in 2008 and went to grad school, which he finished in 2010. He then looked for work but could not find anything, so he went back to school and finished his new program (teaching certificate) in 2012. Then he looked for work until eventually returning to his former company (a job not related to his teaching certificate but arguably related to his grad degree in sociology) (and at his former company, he had a 2+ year work history from 2006-2008). He started work again on 3/1/2013.We are okay with applying in only my name, but I want to be sure the debt in my husband's name (namely, his $500/month student loan payment) will not count against my DTI ratio if his income does not count. If applying in just my name, we would be looking for up to a $250,000 mortgage - my monthly debts (all student loans) are $561. I do have a 401k loan to which I pay $80 each (biweekly) paycheck; I know some lenders will count this against DTI and some won't. We have about $10,000 for a down payment.Should we wait until he has been at his job for 2 full years to be safe? Our current lease ends in July, and we really don't want to rent any longer than we have to.March 29 2014 - Saint Louis00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.